Unfold: see what consumers need to do to renegotiate their debts

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New phases of the Desenrola program, created by the federal government for debt renegotiation, are scheduled for the coming weeks. Bank and non-bank debts, such as electricity, water and telephone bills, can be renegotiated for people who earn up to two minimum wages (R$2,640) or are registered in the federal government’s Single Registry — this is called band 1 of the program. ✅ Click here to follow the new g1 channel on WhatsApp According to the Ministry of Finance, 32.5 million people have debts of up to R$20,000 and may have their debts renegotiated with better conditions. Provisional Measure that created the Desenrola Program expires in 2 weeks What are the next phases of the program? Auctions: companies will inform how much discount they are willing to grant to each consumer. At this stage, the public will not need to do anything, only the creditor companies. When? The auctions start next Monday (25th) and end on Wednesday (27th). Opening of the platform: the person will be able to access the government platform (which will still be announced) with their user gov.br, check the discount proposed by the company and, if desired, renegotiate the debts. When? There is no set date yet. The government’s expectation is to open the platform in the first week of October. How will the auctions work? The auctions will be divided into lots, depending on the category and age of the debt. The debts will be divided into segments: financial services, securitization companies, retail trade, electricity, telecommunications, education, sanitation, micro and small companies, among others; And according to the year of default: 2019, 2020, 2021 and 2022. Between September 25th and 27th, 709 companies are able to participate in the auction and propose discounts. There will be a minimum discount stipulated for each lot. In other words, during the auction, the company will only be able to offer a discount equal to or greater than the floor stipulated by the program for that batch of debts. The average minimum discount is 58%. How much debt can be renegotiated? According to the Ministry of Finance, renegotiations may include R$161.3 billion in debts of up to R$20 thousand. Of which, R$78.9 billion are debts of up to R$5,000. What does the consumer need to do? The first step is to register on gov.br and have a gold or silver certificate. Without this registration, it will not be possible to access the system to carry out the renegotiation. The gov.br account is free and allows you to prove your identity. See step-by-step instructions on how to register here. Then, you need to wait for the program platform to open. The government’s expectation is that this will happen in the first week of October. When the platform is available, the person will be able to access a list of debts registered by creditor companies and discount options and decide whether to accept the proposal and close the renegotiation. What are the payment terms? The payment terms that will be offered to the consumer depend on the outcome of the auction. As the government reserved R$8 billion for the Operations Guarantee Fund (FGO) to cover possible defaults in operations, the greater the discounts proposed by companies, the more debts can be guaranteed by the program. For the consumer, the advantage of this is that they can choose between paying the debt with a discount in cash or in up to 60 months, with interest of up to 1.99% per month. In the case of installment payments, you must choose which bank you wish to operate with. The entire process will be done within the program’s own platform. If the company participates in the auction, but does not obtain the program’s guarantee, the discounted debt will still be available for renegotiation on the platform. However, in this case, the consumer will only have the option to pay in cash. Do you have any customer support services? According to the Secretary of Economic Reforms of the Ministry of Finance, Marcos Pinto, the government will provide help services to help the population navigate the platform and complete the renegotiation. “From the moment the consumer entered the platform and was unable to complete the service, we will have a help system via WhatsApp to help the customer complete the entire journey.” And track 2? In band 2 of the program, there are people who do not meet the criteria for band 1. In other words, they do not earn up to two minimum wages or are not registered with CadÚnico. Renegotiations for this audience began in July and can be done directly with banks, therefore, they do not depend on the opening of the program platform. In this case, only bank debts are renegotiated. In other words, it is not possible to renegotiate debts with retailers, water and electricity companies, among others. According to the latest balance sheet from the Brazilian Federation of Banks (Febraban), as of September 18, almost R$13.2 billion of debt had been renegotiated.

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